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Monday, August 13, 2012

Master card has several security features built in to each card to help to prevent fraud.
For example, all accounts begin with the number five.
The global hologram appears to move and reflect light when rotated.

Wednesday, August 8, 2012

Oreana Winery has designed two wines that are named after the Florida Manatee. The wines are the Manatee Merlot and the Manatee Chardonnay. Both wines have special labels that are designed by SherryVinston. The labels have information that will help to educate the public about manatees.

Winemaker and owner of the company, Christian Garvin, made the announcement in November. The wines will be available in restaurants and stores by December.

Ten percent of the profit earned from sales of the wine will go to the Save the Manatee Club. The club partners with other organizations such as the South Florida Museum. Information about the club will be available on the labels of the wine bottles.

The vintner made the decision to design the wines named after the manatees because of a lifelong love for the endangered mammals. When asked what animal he would like to be if he had the chance, Christian Garvin chose the manatee, adding that he would like to be a smart one that wasn’t hit by boats.

Many manatees are killed by boats, particularly high-speed boats. They move slowly and are very docile creatures. This endangered species is the focus of campaigns funded by private groups in quite a few countries.

Manatee Cherlot will be distributed by Tree of Life in Florida. The wine will cost less than $12.

Wednesday, August 1, 2012

Peer to peer lending is a process that allows folks to borrow from an individual investor or a group of them, instead of the bank or a credit union, so they could get back on their feet. It was primarily established due to the benefits it presented to the lenders, which included high returns for investments and the ability to guarantee them - something they cannot achieve when they gamble on the stock market. And it is fortunate that it also affects borrowers in a positive way.

Everyone can relate to how difficult it usually is to get financial backing from an established institution, whether or not you have an outstanding credit rating. The economy is still recovering from 2007 recession. And most creditors are strict about whom they give money to. Also called P2P, peer to peer lending helps simplify the process of getting the needed funds and allows people to exercise a little bit of freedom when it comes to deciding what the payment conditions are.

One of the great features of P2P lending is that it typically comes with a lower interest rate. As such, it is more manageable to pay off. And you face fewer risks to face when it comes to honoring your obligations. Banks and large lenders usually have to run a business and that encompasses more than a loan portfolio. If they took a lenient stance against borrowers, they would eventually run out of capital to finance their own operations. This isn't a problem small creditors have, which is why they can afford smaller interests and longer payment terms.

As far as the qualification goes, P2P will still require some screening. But it will not be as rigorous and selective as alternative resources. And above all, credibility and association can be considered for the approval of a loan. It is unfortunate that a lot of good people today fall into hard times and they end up withheld of the privilege to start over because they are not safe investments. When you think about it, no bank will ever consider lending a substantial amount of money to a teacher who just got laid off to help her keep her house or start a treatment for his illness. For them, if there is a huge possibility that a person may not be able to meet his obligations, the request will be declined and he can move on to his next option. However, with P2P, individuals stuck in these situations will have a fair shot at getting financial assistance during emergencies and not have to deal with threatening consequences.

Beyond the given example, it is interesting to note that peer to peer lending is actually popular among entrepreneurs given that they are able to finance small projects and expand their business with minimal restrictions,. Banks don't necessarily approve a loan unless they know what the business is spending it for, how they intend to go about it and how much would it affect their productivity and profits. P2P does not demand too much out of an applicant, although credit score and history reports may still apply.